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Las Lomitas Mortgage Calculator

Estimate your true cost of homeownership in Las Lomitas with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,105
P&I Payment$777
Taxes & Ins$247
Utilities$82
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Mortgage Details

$146,700
Local Median: $146,700
$29,340 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,105

Monthly Breakdown

Principal & Interest
$777
Property Taxes
$136
Homeowners Ins.
$111
Utilities
$82

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$162,197

Local Housing Facts for Las Lomitas

  • ·Median home value: $146,700 (adjusted for current market conditions)
  • ·Est. property taxes: $1,630/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,329/yr — based on local per-$1K premium rates
  • ·Energy utilities: $980/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Las Lomitas?

Based on the local median home value, estimated real estate property taxes in Las Lomitas are around $1,630 per year.

What is the average home price in Las Lomitas?

The median home value in Las Lomitas is currently estimated at $146,700.

How much does homeowners insurance cost in Las Lomitas?

For a median priced home, homeowners insurance in Las Lomitas averages around $1,329 annually.

What is the true total cost of owning a home in Las Lomitas?

True homeownership costs go beyond principal and interest. In Las Lomitas, a typical homeowner with a median-priced home of $146,700 can expect to pay roughly $1,630/yr in property taxes, $1,329/yr for homeowners insurance, and $980/yr in energy utilities. That adds approximately $328 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.